General
Session
- The extent of fraud in today’s
environment
- Perpetrator profiles
- Definitions of Fraud
Overview
of Fraud Cases
- These frauds will be used throughout
the program to reinforce education materials
and best practices presented during the
three days.
President
or Group Head
- Focuses on the ultimate leader’s
role in preventing fraud. Topics such
as organizational structure, corporate
culture, control environment, corporate
governance, business ethics, accountability,
training goals and objectives and “tone
at the top” will be covered.
Business
Development Officer
- New Business philosophies
- Front end lending risks
- Motivations and Behaviors
Credit
Officer, Credit Administration
- Corporate Objectives vs Credit Standards
- Influence of credit standards over behavior
of the other positions including asset
recovery activities.
Credit
Underwriter
- Prevention of fraud through objective
analysis of loan requests
- Interaction with credit officers, new
business officers, appraisers and field
examiners
Loan
Administrator
- Critical importance of Monitoring
- Use of technology and interactions with
other positions
- Warning signs/Red flags
Relationship
Manager, Account Management
- Frequency of reporting (daily, weekly,
monthly).
- Special procedures in response to warning
signs that may be present.
Credit
Analyst
- Role in Fraud Detection
- Where does this position end and field
examiner begin? Where do they overlap?
Field Examination
- Frequency, extent, scope to detect fraud
- When to expand procedures beyond standard
in response to indicators of fraud
- Challenges faced in completing exams
in a timely manner when borrower is not
cooperative.
